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ELECTRONIC PAYMENT SYSTEM
ACTIVITYPaysera – flexible electronic payment system, designed by Lithuanians, has been more than 13 years successfully operating not only in Lithuania, but also in the international market.
Paysera system is expanding rapidly around the world, adapting international solutions to local markets.
Currently the system is expanding, thanks to the network of partners, in Latvia, Ireland, Bulgaria, started developing in Romania, Slovenia and Belarus.
Active development in other countries carried out continuously.
FACTS • Established in 2004 in Lithuania;• Employs more than 110 people;• Services provided in more than 150
countries;• Cooperating with more than 70 banks
around the world;• Servicing more than 300 000 clients;• Payments accepted in more than 5 000
active projects.
TRANSFERS STATISTICS
Money transfers amount
Money transfers sum €
2016
2016
2015
2015
1,026 million635 thousand
1,4 billion754 million
Transfers into more than 120 countries in 30 different currencies.
DEPOSIT COLLECTION STATISTICS
Accepted payments amount
Accepted payments sum €
2016
2016
2015
2015
2,8 million2,1 million
131 million98 million
PAYSERA EARNINGS
2016
2015 2014 2013
2012 2011 2010
mln. € 5,3
3,7 3,1
3,2 2,6
2,1 1,4
Paysera – first licensed electronic money issuer in Lithuania!
FIRST EL. MONEY INSTITUTIONS
EU aiming at monitoring unreasonably high bank charges in the year 2000 issued a directive „On the taking up, pursuit and prudential supervision of the business of electronic money institutions“ thus creating electronic money institution (EMI) concept.
FIRST EL. MONEY INSTITUTIONS In 2012 electronic money and electronic money institutions law has been
issued, according to which:Electronic money institution – body which received the license of electronic money institutions or electronic money institutions with limited operating license, which grants the right to issue electronic money in the Republic of Lithuania and other Member States.Electronic money – monetary value issued by the electronic money issuer with the following features:1. it is stored in electronic, including magnetic media;2. intended for payment transactions;3. accepted by the persons who are not electronic money issuers.Electronic money issuers – credit and electronic money institutions.
EL. MONEY INSTITUTION SAFETY
Separation of funds:• Customer funds are separate from other natural or legal persons funds;• Held in a special account opened with a credit institution of the Republic of Lithuania or a credit institution of another Member State;• Invested in secure, liquid, low-risk assets according to adopted legislation procedures of supervisory authorities
Funds insurance:• Clients funds are insured with a insurance contract;• Funds receive a guarantee of a surety bond issued by the insurance company or a credit institution of Republic of Lithuania or another Member State, insurance companies or credit institutions not belonging to the same as an electronic money institution group.
SEPARATION OF FUNDS• Funds are held in special bank accounts, which even in the case of a
bank failure must be returned to the client;• Funds cannot be subject to debt recovery according to electronic money
institutions liabilities;• Funds are not used in enterprise applications, lent and not invested, so
there is no risk of the funds to be insured from;• Customer data is stored and backed up on different servers, and even in
case of failure or fire data is protected;• Company conducts on regular basis internal processes and external
audits;• Supervised by Lietuvos bankas.
LITHUANIAN FINANCIAL INSTITUTIONS SYSTEM
Financial institution
Financial company Credit institution
Payment institutionEl. money institution Bank Credit union
SERVICECREDIT INSTITUTION FINANCIAL COMPANIES
BANK AND CREDIT UNION PAYMENTS INSTITUTION EL. MONEY INSTITUTION
EVERYDAY SERVICES
Internet banking
Money transfers
Currency exchange
Means of payment (cards, NFC)
Cash in/ Cash out
ADDITIONAL SERVICES
Loans
Payments
Payments online
Payments via Points of Sale
Payment collection via SMS
* Paysera issues credit with the help of partner network.
SERVICESBenefits for natural and legal persons
PAYSERA ACCOUNT
• Account is opened via Internet within minutes;• Opening and administration – free of charge;• Account and funds management with VISA card or mobile app;• No need for PIN code cards or generators, logging in with email or
telephone number;• Possibility to link Paysera account with a bank card;• Multi-currency account, accessible from all over the world.
SERVICES AND BENEFITS• Money transfers at lowest rates on the market;• Transfers in euros for natural persons – free of charge;• International transfers for the price of local;• Paysera VISA payment card;• Best currency exchange rate, 24 / 7;• Free payments to utility suppliers, national insurance and tax office
payments;• Issuance of loans through a network of partners at better rates;• Recommendation programme that lets you earn money.
PAYSERA VISA CARD• Cheaper withrawals at ATMs abroad;• Payments at all POS accepting VISA card in Lithuania and abroad;• Secure payment with „3-D Secure“ (Verified by VISA) technology for
goods and services online;• Paysera VISA card currency – euros, but other currencies accepted;• Possibility to link card with PayPal system and cash out.
MOBILE WALLET• Works with Android, iOS operating systems;• To transfer money to another Paysera user costs nothing and it takes
only seconds;• Transfer is carried out by choosing a recipient from address book or
by entering telephone number or email;• With mobile wallet you can manage Paysera VISA account or link the
app with another bank card;• Paying for goods and services while shopping online and by scanning
QR code from a screen or account.
TRANSFERS IN EUROS Non-urgent transfers:• Free 30 non-urgent transfers in
euros every month for natural persons to any European country* bank;
• Free transfers between Paysera users in real time;
• Free utility bills payments to most providers;
Urgent transfers:• International transfers at a local
price;• Made everyday from 8:00 until
20:00, reach recipient in 15-30 min;
• Transfers in more than 30 different currencies.
* - EU and EEA countries (Norway, Iceland, Switzerland ir Liechtenstein).
TRANSFERS IN OTHER CURRENCIES• International transfers are made for a local price;• Transfer money in more than 30 different currencies;• Most international transfers don't cost more than 7 EUR and are
made within 1 working day;• Two rates apply for transfers – standard and discount. Standard
applies to all Paysera users, and discount to residents of a specific country or those having an account in a specific bank.
TRANSFERS SYSTEM PRICE COMPARISON
Sending 1000 USD, recipient in Lithuania gets: Sending 1000 GBP, recipient in Lithuania gets:
CASH OPERATIONSWays of paying in:• Via bank transfer;• At Points of Sale;*• Linking account with a bank card.
Ways of paying out:• Cashing out at ATMs with Paysera
VISA card;• Transfer to another bank
account;• Cashing out at partner branches.
* You need a printed multi-use code which is generated while connected to Paysera account.
COLLECTION OF PAYMENTS
ONLINE
• One contract, one integration – Lithuanian and foreign banks in one place;
• Direct links to 98 % of Lithuanian, Latvian and Estonian banks;• Payments are made through banks, credit cards or paying cash at
kiosks or partner terminals.
BENEFITSBuyer advantages:• Always finds convenient means
of payment;• Access to up to 1 % return on
purchase amount.
Seller advantages:• All banks and means of payment
in one place;• Easy integration and audit
process;• Secure system;• Information and logos of all the
banks presented;• Money reaches the receipient in
real time and is available to use immediately.
SMS
• No registration or administration fee;• Charges apply for every payment received separately. No fees - until
you earn;• One integration and payments are collected around the world, in
more than 65 countries;• Competitive benefits, in Lithuania from 50,7 %;• Possibility to apply diffrent keywords in different countries;• All benefits in one account and ability to use them right away.
www.lightSMS.com
POINTS OF SALE• Paysera Retailers – sellers dedicated free app. The phone works like a cash
register. Other additional equipment is not required;• Possible integration into POS systems (R-Keeper, nPoint, Presta);• QR codes used for payments, scanning which payment is collected within
seconds;• Customers don't need to wait for a waiter, and waiter doesn't need to bring the
bill, change or transaction receipt;• Charges lower than bank cards, commision charge "ceiling" is applied. No
registration or monthly fees;• Payment is received immediately and the money can be used right away
without delay.
TICKETING SYSTEM FOR EVENTS ORGANISERS
• The visitor chooses a ticket, fills in the required information and pays by choosing the most convenient payment method;
• No additional fees applied to buyers;• Purchased ticket is sent in PDF format to the buyer's email address;• Buyer needs to print the ticket out or save it in his smartphone;• QR code acts as a ticket identificator, which is scanned and checked
with all Android and iOS devices using free Paysera Tickets app;• Commision fee is applied to the seller only for sold tickets.
UNIQUE PAYMENT SOLUTIONS FOR BUSINESS
Customised payments solutions for businesses are being developed:• Payments in school canteens;• Purchases from vending machines;• Parking fees;• For reliable customer identification – link with Paysera account.
PAYSERA TRUSTED AND RECOMMENDED BY
